How does Resolve New Registration determine a match?

I have Resolve New Registration enabled but I don't understand how the scores are determined.

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Number:65529

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Luminate_Online

When a new constituent joins your site, a new constituent record is created. That record is compared against your offline database to determine if there is a suitable match. All comparisons start at 100 points and then deductions are taken from those 100 points. Below is the logic for each potential deduction. The default point assignment can be changed by support at any time. However. changing the point assignment only changes furture pairs not pairs already in Resolve New Registration.

Last Name (default 40)

Exact Match: no deduction

Last names match with 1 typo; 10% deduction.

Last name of one record contains the other ((ex: Smithwick contains Smith); 15% deduction.

Last names match for first 7 characters; 12.5% deduction.

Last names match for first 5 characters; 20% deduction.

Last names match for first 3 characters; 50% deduction.

Otherwise, Last names do not match; 100% deduction.

First Name (default 30)

Either first name is blank; 66% deduction.

First names match; no deduction.

First names match with 1 typo; 10% deduction.

First name of one record contains the other (ex: Joanne contains Anne) ; 15% deduction.

First names match for first 5 characters; 20% deduction

First names match for first 4 characters; 25% deduction

First names match for first 3 characters; 33% deduction

First names match for first 2 characters; 66% deduction

Otherwise, First names do not match; 100% deduction.

Middle Name ((default 5)

Either Middle name is blank; no deduction.

First character of middle names do not match; 100% deduction.

One field is a single character long and matches other field; no deduction.